WE KNOW TEXAS!
TEXAS INSURANCE COVERAGE, BUILT FOR THE STATE’S UNIQUE RISKS
Texas is one of the fastest-growing and most diverse states in the country, but it also presents a unique set of insurance challenges. From severe storms and hail damage to hurricanes along the Gulf Coast and rising property values in rapidly expanding cities, the risks Texans face are constantly evolving. Standard insurance policies often leave gaps when it comes to regional exposures, making it important to have coverage tailored specifically to Texas conditions rather than a one-size-fits-all policy designed elsewhere.
At Charley Insurance, we help Texas homeowners, drivers, and families understand what their policies truly cover before a loss occurs. From coastal communities facing hurricane exposure to inland areas experiencing severe hail and wind events, our team works with clients to review coverage and strengthen protection where it matters most. We offer guidance across home, auto, flood, windstorm, and umbrella coverage to help ensure your protection reflects the realities of living in Texas.
Frequently Asked Questions
HOMEOWNERS INSURANCE - TEXAS
-
Not by law, but if you have a mortgage, your lender will require it. For properties with significant hail risk, lenders are increasingly strict about coverage.
-
Texas allows higher deductibles specifically for wind and hail damage, typically ranging from 1-5% of the home's insured value. In 2026, 2% is the most common standard in hail-prone areas.
-
It's calculated as a percentage of your home's insured value. For example, a $400,000 home with a 2% deductible means you pay $8,000 toward hail/wind damage before insurance pays.
-
Yes, most insurers offer options (1%, 2%, 3%, or 5%), with lower deductibles meaning higher premiums. Higher deductibles in high-risk areas reflect hail frequency.
-
Hail damage to your roof, structure, and other property is typically covered under the wind and hail coverage portion of your Texas homeowners policy.
-
Inland homeowners typically have standard deductibles and coverage. Coastal Texas residents may need TWIA windstorm insurance or deal with limited coverage availability due to hurricane risk.
-
Texas FAIR Plan (Facility Insurance Association) is a high-risk pool for property owners unable to get private homeowners insurance. It's a last-resort option providing basic coverage.
-
Standard policies exclude flood damage, earthquakes (rare in Texas but possible), general maintenance, normal wear and tear, and intentional damage.
-
Document damage with photos/video, contact your insurer promptly, provide details of the hail event, and allow the adjuster to assess the damage. Get repair estimates for your records.
-
You can hire an independent adjuster to review the assessment or request appraisal, where a neutral third party determines the actual damage amount.
-
Texas allows flexible deductible options for wind and hail (1-5%), but some insurers in high-risk areas may require higher minimums (2% or 3%).
-
Texas homeowners insurance rates have increased significantly in recent years, particularly in hail-prone areas like Dallas-Fort Worth and San Antonio, with increases of 10-20% annually.
-
Yes, hail damage to windows, skylights, and roofs is covered under your homeowners policy's wind and hail portion (subject to your deductible).
-
Depending on your policy (ACV vs. replacement cost), older roofs may be subject to depreciation. Replacement cost coverage is better but more expensive.
-
This program certifies that homes meet building code requirements. Certification can help you obtain better rates or coverage, particularly for coastal properties.
Frequently Asked Questions
FLOOD INSURANCE - TEXAS
-
If you're in a FEMA high-risk flood zone with a federally-backed mortgage, flood insurance is required. It's also recommended for all Texas property owners given heavy rainstorm risk.
-
It covers building damage and contents, but excludes foundation-only water intrusion, sump pump failures, and surface water from poor drainage.
-
NFIP premiums range from $300-$2,000+ annually depending on risk level. Preferred Risk Policies for low-risk areas are more affordable.
-
Yes, private flood insurance is increasingly available in Texas and may offer better rates and coverage in some cases.
-
NFIP policies have a 30-day waiting period from application to effective date, so you cannot purchase coverage once flooding is forecasted.
Frequently Asked Questions
WIND AND HAIL INSURANCE - TEXAS
-
TWIA is the "insurer of last resort" for properties in coastal Texas that cannot obtain private wind and hail coverage. It serves 14 coastal counties and parts of Harris County.
-
Properties in the designated coastal catastrophe area where you've been denied coverage by at least one private insurer and your home meets building code requirements.
-
Wind and hail damage only. TWIA does not cover fire, theft, flood, or other perils. You need separate policies for full homeowners protection.
-
Average TWIA premiums are approximately $2,000 annually, but vary by property location, construction, and coverage amounts.
-
No, TWIA only serves coastal counties. Inland Texas hail damage is covered by standard homeowners policies with wind/hail deductibles.
Frequently Asked Questions
AUTOMOBILE INSURANCE - TEXAS
-
Texas requires minimum liability of $30,000 per injured person, $60,000 per accident, and $25,000 for property damage (30/60/25).
-
Not legally, but if you finance your vehicle, your lender will require it. Unfinanced vehicles can have liability-only coverage.
-
A $500 deductible balances affordability with reasonable out-of-pocket costs, but $250 is better for frequent drivers and $1,000 acceptable for careful drivers.
-
Yes, Texas allows stacking on multiple vehicles, meaning you can apply coverage limits from multiple policies in your household to a single claim.
-
Yes, if you have comprehensive and collision coverage, rental cars are typically covered within your policy limits.
-
Common discounts include bundling, good driver record, defensive driving course, automatic payment, and affinity memberships (professional associations, alumni groups).
-
Accidents typically affect rates for 3 years, while tickets can affect rates for 3-5 years depending on severity.
-
Not during the policy period, but they may decline renewal after an accident if it indicates higher risk.
-
If the car is parked and not driven, liability insurance isn't required, but comprehensive coverage is useful if it could be damaged.
-
Rideshare driving is not covered by personal auto insurance. You need a commercial rideshare policy or the company's coverage.
Frequently Asked Questions
BUSINESS INSURANCE - TEXAS
-
Workers' compensation is required if you have employees. General liability is not legally required but highly recommended and often required by contracts.
-
Typical costs range from $25-$100 monthly for small businesses, depending on industry, size, and claim history.
-
Yes, homeowners insurance doesn't cover business activities. You need a business policy even for home-based ventures.
-
Yes, especially given Texas weather risks (hail, wind, flooding). Business interruption covers lost income if operations are halted by covered events.
-
Yes, commercial property insurance covers hail damage. Your premium and deductible will reflect the risk level in your specific area.
Frequently Asked Questions
LIFE INSURANCE - TEXAS
-
Life insurance products and regulations are consistent nationwide. Texas doesn't have unique advantages or disadvantages.
-
A $500,000 20-year term policy for a healthy 35-year-old costs approximately $30-$50 monthly, varying by health and underwriting.
-
Texas has diverse industries. Those in construction, oil/gas, or agriculture may benefit from higher coverage given occupational hazards.
-
Yes, most conditions don't disqualify you from life insurance, though premiums may be higher. Some specialized policies exist for those with chronic conditions.
-
Death benefits are generally not subject to federal or Texas income tax, but may be subject to estate taxes if very large.
Frequently Asked Questions
MOTORCYCLE AND RV INSURANCE - TEXAS
-
Yes, Texas requires liability insurance for motorcycles. Minimum coverage is $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage.
-
No, motorcycles require separate motorcycle insurance. Auto policies specifically exclude motorcycle coverage.
-
Some policies include custom equipment coverage for helmets, leather gear, and aftermarket parts. This is often an add-on.
-
Average costs range from $500-$1,500 annually depending on bike type, rider age, experience, and coverage levels.
-
Yes, umbrella insurance provides additional liability coverage above your standard policies and is useful for those with significant assets given Texas weather risks.
GET COVERED TODAY
Smart, transparent insurance built for homeowners who need clarity and confidence in their coverage.